UCC Filing Search
A UCC filing — a UCC-1 financing statement — is the public record a lender files to claim a security interest in a business's assets. A UCC filing search tells you who already has a lien on a company before you lend, factor, or sign — the single most important check a secured creditor makes.
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What a UCC search reveals
UCC-1 financing statements name the debtor business, the secured party (the lender or factor), and the collateral. Searching them shows whether a company's receivables, equipment, or inventory are already pledged — and to whom — so you don't fund behind an existing lien.
Why lenders, factors, and brokers search UCC
If you're about to factor a carrier's invoices or extend a line, an existing blanket lien on accounts receivable can leave you unsecured. A UCC search surfaces those claims up front. It's standard practice in trucking finance, equipment lending, and the mortgage industry alike.
UCC search with the entity record
VerifySOS ties the business's UCC picture to its Secretary of State entity and owners, so the debtor name on a financing statement matches the legal company you're underwriting — not a look-alike.
Frequently asked questions
What is a UCC-1 financing statement?
It's the form a secured party files with the state to publicly perfect a lien on a business's assets. It names the debtor, the secured party, and the collateral.
Why would a company have a UCC filing?
Almost any business that has taken a loan, equipment financing, or invoice factoring will have one or more UCC-1 filings from its lenders.
Does no UCC filing mean a company is debt-free?
Not necessarily — it means no secured party has perfected a lien on file. It's a strong signal for secured creditors but should be read alongside the entity's standing and ownership.
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